TWM609161U - Virtualized inter-bank fund transfer system - Google Patents
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Abstract
一種虛擬化跨行資金調撥之系統,係於一中央銀行伺服器中設置一基金池;複數金融機構伺服器調撥一交易資金存入該基金池中,該交易資金並在該基金池中轉換成一虛擬貨幣;以及利用一仲介機構伺服器提供一跨行交易平台,該等金融機構伺服器通過該跨行交易平台從該基金池中取出該虛擬貨幣,並利用該虛擬貨幣在該跨行交易平台上進行跨行交易及結算。因此,各金融機構伺服器之交易資金會以虛擬、數位方式進行跨行交易,不會影響基金池中之金額,基金池的資金不需反覆匯入、匯出。藉由在仲介機構伺服器提供的跨行交易平台進行跨行交易,中央銀行只會接收到日終的結算結果,可減少金融機構伺服器對中央銀行提出的跨行交易請求。A virtualized inter-bank fund transfer system is to set up a fund pool in a central bank server; plural financial institution servers transfer a transaction fund to deposit in the fund pool, and the transaction fund is converted into a virtual fund pool in the fund pool. Currency; and using an intermediary server to provide an inter-bank trading platform, the financial institution servers withdraw the virtual currency from the fund pool through the inter-bank trading platform, and use the virtual currency to conduct inter-bank transactions on the inter-bank trading platform And settlement. Therefore, the transaction funds of the servers of various financial institutions will conduct inter-bank transactions in a virtual and digital manner, which will not affect the amount in the fund pool, and the funds in the fund pool do not need to be remitted in and out repeatedly. By conducting inter-bank transactions on the inter-bank trading platform provided by the intermediary server, the central bank will only receive the end-of-day settlement results, which can reduce the inter-bank transaction requests made by the financial institution server to the central bank.
Description
本創作係有關一種新型的金流架構,特別是指一種虛擬化跨行資金調撥之系統。This creation is about a new type of cash flow architecture, especially a virtualized inter-bank fund transfer system.
目前各銀行機構皆須在中央銀行中皆開設一準備金擔保帳戶,銀行收入的金額必須撥出一部分存入該準備金擔保帳戶中,以避免發生銀行虧損,民眾領不到錢的問題,保障存戶的權益。At present, all banking institutions must open a reserve guarantee account in the central bank, and the amount of bank income must be allocated a part of the reserve guarantee account to avoid bank losses and the problem of people not receiving money. Depositors’ rights.
但各金融機構從準備金擔保帳戶中提出款項,進行各項國內、外跨行交易時,便會影響到基金池中之金額,若有虧損便需要金融機構再次撥款存入準備金擔保帳戶,而每一次的轉帳、匯款等交易皆會動用到準備金擔保帳戶,其中的資金會反覆匯入、匯出。而這些跨行交易都需要詢問中央銀行,大幅增加中央銀行的業務量。However, when financial institutions withdraw funds from the reserve guarantee account and conduct various domestic and foreign inter-bank transactions, it will affect the amount in the fund pool. If there is a loss, the financial institution will need to allocate funds again and deposit it into the reserve guarantee account. Every transfer, remittance and other transactions will be used in the reserve guarantee account, and the funds in it will be remitted in and out repeatedly. And these inter-bank transactions need to ask the central bank, which greatly increases the central bank's business volume.
因此,本創作針對上述習知技術之缺失及未來之需求,提出一種虛擬化跨行資金調撥之系統,具體架構及其實施方式將詳述於下:Therefore, in response to the lack of the above-mentioned conventional technology and future needs, this creation proposes a virtualized inter-bank fund transfer system. The specific structure and implementation methods will be described in detail below:
本創作之主要目的在提供一種虛擬化跨行資金調撥之系統,其將各金融機構伺服器之交易資金轉換成虛擬貨幣,以數位方式進行跨行交易,不會影響基金池中實際之存款金額,由於基金池的資金不需反覆匯入、匯出,藉此減少各金融機構伺服器的業務量。The main purpose of this creation is to provide a virtualized inter-bank fund transfer system, which converts the transaction funds of the servers of various financial institutions into virtual currency, and conducts inter-bank transactions in a digital manner without affecting the actual deposit amount in the fund pool. The funds in the fund pool do not need to be remitted in and out repeatedly, thereby reducing the business volume of the servers of various financial institutions.
本創作之另一目的在提供一種虛擬化跨行資金調撥之系統,其藉由在仲介機構伺服器提供的跨行交易平台進行跨行交易,中央銀行只會接收到日終的結算結果,可減少金融機構伺服器對中央銀行提出的跨行交易請求。Another purpose of this creation is to provide a virtualized inter-bank fund transfer system. By conducting inter-bank transactions on the inter-bank trading platform provided by the intermediary server, the central bank will only receive the end-of-day settlement results, which can reduce the number of financial institutions. Interbank transaction request made by the server to the central bank.
為達上述目的,本創作提供一種虛擬化跨行資金調撥之系統,包括:一中央銀行伺服器,其中設有一基金池;複數金融機構伺服器,訊號連接該中央銀行伺服器,調撥一交易資金存入該基金池中,該交易資金並在該基金池中轉換成一虛擬貨幣;以及一仲介機構伺服器,訊號連接該中央銀行伺服器及該等金融機構伺服器,該仲介機構伺服器提供一跨行交易平台,以供該等金融機構伺服器通過該跨行交易平台從該基金池中取出該虛擬貨幣,並利用該虛擬貨幣在該跨行交易平台上進行跨行交易及結算。In order to achieve the above purpose, this creation provides a virtualized inter-bank fund transfer system, including: a central bank server, in which a fund pool is set up; multiple financial institution servers, signals connected to the central bank server to allocate a transaction fund deposit Into the fund pool, the transaction funds are converted into a virtual currency in the fund pool; and an intermediary server, which signals the central bank server and the financial institution servers, and the intermediary server provides an interbank A trading platform for the financial institution servers to withdraw the virtual currency from the fund pool through the inter-bank trading platform, and use the virtual currency to conduct inter-bank transactions and settlements on the inter-bank trading platform.
依據本創作之實施例,該等金融機構伺服器利用該虛擬貨幣進行跨行交易後,當天得到之複數結算結果係由該仲介機構伺服器於當日日終時整批傳送至該基金池。According to the embodiment of this creation, after the servers of the financial institutions use the virtual currency to conduct inter-bank transactions, the multiple settlement results obtained on the same day are sent to the fund pool in batches by the server of the intermediary at the end of the day.
依據本創作之實施例,該交易資金係從複數準備金擔保帳戶所提撥,該等準備金擔保帳戶設置於該中央銀行伺服器中所設置並且分別對應該等金融機構伺服器。According to the embodiment of this creation, the transaction funds are withdrawn from a plurality of reserve guarantee accounts, and the reserve guarantee accounts are set in the central bank server and correspond to the servers of the financial institutions respectively.
依據本創作之實施例,該中央銀行伺服器依據該基金池中之該等結算結果回撥給該等金融機構伺服器之該等準備金擔保帳戶。According to the embodiment of this creation, the central bank server calls back the reserve guarantee accounts of the financial institution servers according to the settlement results in the fund pool.
依據本創作之實施例,該等交易資金係先存入該中央銀行伺服器之該等準備金擔保帳戶中。According to the embodiment of this creation, the transaction funds are first deposited into the reserve guarantee accounts of the central bank server.
依據本創作之實施例,該仲介機構伺服器中設置分屬該等金融機構伺服器之複數細部帳目。According to the embodiment of this creation, the intermediary server is provided with a plurality of detailed accounts belonging to the servers of the financial institutions.
依據本創作之實施例,該等虛擬貨幣於當天結算後之總金額等於該基金池中該交易資金之總額。According to the embodiment of this creation, the total amount of the virtual currencies after settlement on the same day is equal to the total amount of the transaction funds in the fund pool.
本創作提供一種虛擬化跨行資金調撥之系統,可減少中央銀行處理各金融機構之間跨行交易的業務量,同時還提供實體轉虛擬的貨幣交易,透過仲介機構伺服器記錄各金融機構的細部帳目,讓各金融機構伺服器可在仲介機構伺服器提供的跨行交易平台上進行數位化虛擬貨幣的跨行交易。This creation provides a virtualized inter-bank fund transfer system, which can reduce the central bank's business volume of inter-bank transactions between financial institutions. It also provides physical-to-virtual currency transactions, and records the detailed accounts of financial institutions through the intermediary server. The purpose is to allow the servers of various financial institutions to conduct interbank transactions of digital virtual currencies on the interbank transaction platform provided by the intermediary server.
請參考第1圖,其為本創作虛擬化跨行資金調撥之系統10之方塊圖。本創作虛擬化跨行資金調撥之系統10包含一中央銀行伺服器12、一仲介機構伺服器14及複數金融機構伺服器16,金融機構伺服器16訊號連接中央銀行伺服器12及仲介機構伺服器14,仲介機構伺服器14也訊號連接至中央銀行伺服器12及金融機構伺服器16。其中,中央銀行伺服器12屬於總管國內金融機構之中央銀行。仲介機構伺服器14為具有公信力的第三方機構,其並非銀行,但提供整合多家金融機構共同使用同一服務的功能。各金融機構伺服器16分別屬於一間銀行,如第1圖中所示之A銀行、B銀行到N銀行。Please refer to Figure 1, which is a block diagram of the
中央銀行伺服器12中包含一基金池122,金融機構伺服器16會調撥一交易資金存入基金池122中。在另一實施例中,每一金融機構伺服器16皆在中央銀行伺服器12中開設一準備金擔保帳戶124,而金融機構伺服器16會調撥一交易資金存入準備金擔保帳戶124中,再由中央銀行伺服器12將交易資金轉至基金池122並轉換成一虛擬貨幣。交易資金調撥的時間可為定時,或是由金融機構伺服器16指示調撥。The
仲介機構伺服器14提供一跨行交易平台144,以供金融機構伺服器16通過跨行交易平台144從基金池122中取出虛擬貨幣,並利用虛擬貨幣在跨行交易平台144上進行跨行交易。The
請同時參考第2圖,其為應用本創作虛擬化跨行資金調撥之系統之流程圖。首先步驟S10中,於中央銀行伺服器12中設置一基金池122;接著如步驟S12所述,複數金融機構伺服器16調撥一交易資金存入基金池122中,交易資金並在基金池122中轉換成一虛擬貨幣;步驟S14中,利用仲介機構伺服器14提供一跨行交易平台144,金融機構伺服器16通過跨行交易平台144從基金池122中取出虛擬貨幣,並利用虛擬貨幣在跨行交易平台144上進行跨行交易;最後於步驟S16中,仲介機構伺服器14結算當日的交易結果,並於日終將交易結果整批回傳給中央銀行伺服器12的基金池122。Please also refer to Figure 2, which is a flowchart of the application of this creation virtualized inter-bank fund transfer system. First, in step S10, a
舉例而言,假設A銀行在準備金擔保帳戶124中存入10億元,並將此10億元轉成在基金池122中的10億虛擬貨幣。以此類推,假設N等於10,每間金融機構伺服器16皆存10億元,並轉換成10億虛擬貨幣,則基金池122中總共有100億虛擬貨幣。此10間金融機構伺服器16透過仲介機構伺服器14的跨行交易平台144進行彼此之間的跨行交易,例如使用者從A銀行轉帳到B銀行等業務,皆算是金融機構伺服器16之間的跨行交易。每一筆跨行交易皆會記錄在仲介機構伺服器14的細部帳目142中,且針對每一金融機構伺服器16都有設置獨立的帳目。For example, suppose that Bank A deposits 1 billion yuan in the
等到最終結算的時候,虛擬貨幣於當天結算後之總金額會等於基金池122中交易資金之總額,例如100億虛擬貨幣經過一天的跨行交易後,還是會維持100億的金額,但可能A銀行變成15億,而B銀行只剩5億。最終金額不可大於100億,否則便是透支。At the time of final settlement, the total amount of virtual currency after settlement on the same day will be equal to the total amount of transaction funds in the
步驟S16中,當中央銀行伺服器12依據基金池122中之結算結果回撥給金融機構伺服器16的準備金擔保帳戶124。依上述實施例而言,基金池122回撥15億給A銀行的準備金擔保帳戶124,回撥5億給B銀行的準備金擔保帳戶124。各金融機構伺服器16再自行從各自的準備金擔保帳戶124中提領。In step S16, when the
除了日終回撥之外,當在金融機構的營業時間內,金融機構有資金需求時,也可以由金融機構伺服器16發出指示,透過仲介機構伺服器14傳送給中央銀行伺服器12,將虛擬貨幣調撥回中央銀行伺服器12之基金池122,並將基金池122之虛擬貨幣轉換回實際貨幣,再將實際貨幣調撥回準備金擔保帳戶124。In addition to the day-end callback, when the financial institution has a demand for funds during the business hours of the financial institution, the
因此,藉由本創作所提供之虛擬化跨行資金調撥之系統,每天的所有跨行交易皆由仲介機構伺服器進行記帳及結算,除非金融機構提出指示,否則中央銀行伺服器只會在日初及日終時得到最初的金額及最終的當天交易結算結果。如此一來,可大幅減少金融機構對中央銀行提出的跨行基金交易請求,減少中央銀行的業務量,並簡化帳目。此外,本創作將交易從實體貨幣轉換成虛擬貨幣,款項實際上還存在中央銀行伺服器中,但實際上的跨行交易行為係由虛擬貨幣進行,可減少實體貨幣的匯入及匯出,還可進一步減少中央銀行的業務量。Therefore, with the virtualized inter-bank fund transfer system provided by this creation, all daily inter-bank transactions are accounted and settled by the intermediary server. Unless the financial institution provides instructions, the central bank server will only At the end, get the initial amount and the final settlement result of the day's transaction. In this way, the inter-bank fund transaction requests made by financial institutions to the central bank can be greatly reduced, the business volume of the central bank is reduced, and the accounts are simplified. In addition, this creation converts the transaction from physical currency to virtual currency. The funds are actually stored in the central bank server, but the actual inter-bank transaction behavior is performed by virtual currency, which can reduce the remittance and remittance of physical currency. It can further reduce the business volume of the central bank.
唯以上所述者,僅為本創作之較佳實施例而已,並非用來限定本創作實施之範圍。故即凡依本創作申請範圍所述之特徵及精神所為之均等變化或修飾,均應包括於本創作之申請專利範圍內。Only the above are only the preferred embodiments of this creation, and they are not used to limit the scope of implementation of this creation. Therefore, all equivalent changes or modifications made in accordance with the characteristics and spirit of the application scope of this creation shall be included in the scope of patent application of this creation.
10:虛擬化跨行資金調撥之系統 12:中央銀行伺服器 122:基金池 124:準備金擔保帳戶 14:仲介機構伺服器 142:細部帳目 144:跨行交易平台 16:金融機構伺服器 10: Virtualized inter-bank fund transfer system 12: Central Bank Server 122: Fund Pool 124: Reserve Guarantee Account 14: Intermediary server 142: detailed accounts 144: Interbank trading platform 16: Financial Institution Server
第1圖為本創作虛擬化跨行資金調撥之系統之方塊圖 第2圖為應用本創作虛擬化跨行資金調撥之系統之流程圖。 Figure 1 is the block diagram of the system for creating virtualized cross-bank fund transfer Figure 2 is a flowchart of the application of this creation virtualized inter-bank fund transfer system.
10:虛擬化跨行資金調撥之系統 10: Virtualized inter-bank fund transfer system
12:中央銀行伺服器 12: Central Bank Server
122:基金池 122: Fund Pool
124:準備金擔保帳戶 124: Reserve Guarantee Account
14:仲介機構伺服器 14: Intermediary server
142:細部帳目 142: detailed accounts
144:跨行交易平台 144: Interbank trading platform
16:金融機構伺服器 16: Financial Institution Server
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Cited By (2)
Publication number | Priority date | Publication date | Assignee | Title |
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TWI786477B (en) * | 2020-11-26 | 2022-12-11 | 財金資訊股份有限公司 | System and method for virtualized inter-bank fund transfer |
TWI820556B (en) * | 2021-12-30 | 2023-11-01 | 財金資訊股份有限公司 | Fund transfer automatic accounting system and method |
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Cited By (2)
Publication number | Priority date | Publication date | Assignee | Title |
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TWI786477B (en) * | 2020-11-26 | 2022-12-11 | 財金資訊股份有限公司 | System and method for virtualized inter-bank fund transfer |
TWI820556B (en) * | 2021-12-30 | 2023-11-01 | 財金資訊股份有限公司 | Fund transfer automatic accounting system and method |
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